Local broker since 2013. One conversation, start to finish.
13+ years in Bulimba · 80+ lenders · $340M settled · FBAA member
Oxford Street dining and boutiques. River frontage and CityCat ferry. Family schools. Story Bridge ten minutes the other way. City views from Balmoral hill.
The work Danny does sits in a tight geographic band: Bulimba and the suburbs that share its rhythm. Hawthorne to the north, Balmoral on the rise, Norman Park and Morningside inland, Cannon Hill where the corridor meets the rail line. Different postcodes, different price points, but the same buyer profile and the same lenders ask the same questions.
Local context matters. A heritage-listed Queenslander valuation, a sub-divisible corner block, a Bulimba Barracks off-the-plan apartment, a build on a flood-overlay lot — each one is a different file shape with a different lender preference. Knowing the street before reading the contract saves time on every application.
Median house price around $2.0–2.1M, with sales running ~219 a year across houses and units. The Bulimba Barracks development brings 855 new homes — the biggest local supply movement in a decade.
UNUSED EQUITY IN AUSTRALIANS OVER 60
$600B
Stock of accrued home equity, holders aged 60+
Source: Deloitte Australian Reverse Mortgage Survey, March 2026
SMSF PROPERTY LENDING NATIONALLY
$70B
Total SMSF property loan book, Australia
Source: Australian Tax Office, 2026
BRISBANE HOUSE VALUES, LAST 5 YEARS
+86%
Brisbane metro, 5-year change
Source: Cotality Home Value Index
Bulimba's buyer profile skews professional, dual-income, mid-life — households where the loan is structured around the lifestyle rather than the other way around. That shapes the lender mix. Major banks dominate for vanilla files; specialist lenders earn their place when income is irregular, the property is unusual, or the structure involves a trust or an SMSF.
The Barracks build-out (855 new homes over the next several years) is the supply story to watch. New stock changes the comparable-sales picture, the off-the-plan valuation timing, and the rental yield calculation for investors.
Deeper local market analysis lives on Danny's blog.
Deposit strategy, the QLD First Home Owner Grant, the federal Home Guarantee Scheme, family-guarantor structures, and stamp duty concessions for eligible first-time buyers. Danny runs the eligibility check before recommending which scheme (if any) actually fits the buyer's circumstances.
Rate comparison across the panel, break-cost calculation when an existing loan is fixed, equity release into renovations or an investment property, and structural changes (offset, split, redraw) that make the loan work harder without changing the lender. The break-even maths comes before the recommendation.
Rental-yield context for the local market, interest-only vs principal-and-interest decisions, ownership structures (personal name, trust, company), and the negative-gearing / CGT implications that flow from each. The lender choice depends on the file as much as on the rate.
Bulimba Barracks off-the-plan, renovation-and-extension on a heritage-overlay block, owner-builder progress draws, knock-down-rebuild scenarios on Hawthorne and Balmoral lots. Construction lenders sit on a different panel and ask different questions than purchase lenders — knowing which to approach saves weeks.
Business income, ABN-only files, alt-doc and low-doc options, family trust structures, and SMSF property lending. The right lender for a self-employed Oxford Street trader isn't the same as for a PAYG professional with the same headline income — the documentation policy matters more than the rate.
Rolling personal debt into the mortgage to lower monthly servicing — useful when the maths works, structured carefully when it doesn't (a 30-year mortgage on a 5-year credit-card balance ends up costing more if not addressed deliberately).
No handoffs. No call centre. One broker from the first coffee to settlement and every annual review after.
We sit down at a Bulimba cafe — or video call. Thirty minutes, honest read of where you're at.
I map the structure: lenders that fit, buffer, LVR, timing. In writing, no jargon.
I handle the paperwork, the chase-ups, and the awkward questions. You sign, I run it.
Pre-approval, formal, settlement. Annual reviews available so the rate stays in the conversation.
No call centre, no junior handoff. The conversation that starts with a coffee on Oxford Street is the conversation that finishes at settlement, and continues at the annual review the year after.
Track record
Australian Credit Licence 486112 (Purple Circle Financial Services Pty Ltd)
Credit Representative Number: 000366901
What people say
Thank you Danny! Danny helped us with our home loan, business finance and vehicle loans, which made everything so much easier with one person to talk to. What we really like is that we can call him when things change and get honest, helpful advice. He explains things clearly and takes a lot of the stress out of it. Highly recommend Danny to anyone looking for a broker.
Thank you for looking after our loan and providing such a great product. You guys were great. I was very happy with the service and have already recommended MHL to lots of my friends.
My refinance and new purchase was under a range of complications and time constraints. Danny from Modern Home Loans was able to work through the maze methodically and provide a solution. Danny made the whole process work to reduce stress and impact on me whilst I was under the pump in my own business. Leave it to the professionals he said, and I could not imagine having a better customer service experience and would be happy to recommend MHL in the future.
Quick checks
Two minutes per check. Plain-English result. No credit pull, no obligation.
For homeowners thinking about upgrading, renovating, investing or helping family.
For existing borrowers who want to know if their loan may be stale.
Stamp duty, LMI, deposit gap and the rest — costed honestly before you bid.
For families moving to the bigger or better local home.
If something isn't here, Danny will answer it in the first ten minutes of a coffee.
Danny works with buyers, refinancers and investors across the inner-east Brisbane riverside corridor — Bulimba (4171), Hawthorne (4171), Balmoral (4171), Norman Park (4170), Morningside (4170) and Cannon Hill (4170). Same broker, same standards, wherever in the corridor the property sits.
When you're ready
Thirty minutes on Oxford Street, or by video. No pressure, no spreadsheet obligation — first conversations are free and you'll walk away with something useful even if you don't go ahead.
Licensed mortgage broker · FBAA member · free consultation
